• Report: #1074791

Complaint Review: Credit One Bank

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  • Submitted: Sat, August 10, 2013
  • Updated: Sun, August 11, 2013

  • Reported By: Patrick — Bossier City Louisiana
Credit One Bank
PO Box 98873 Las Vegas, Nevada USA
  • Phone:
  • Web:
  • Category: Banks

Credit One Bank Fraudulent Company Las Vegas Nevada

*Consumer Comment: Responsibility

*Consumer Comment: I too have dealt with them

*Consumer Comment: Oh Yes...All THEIR Fault!

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 Do not fall into the trap of this company.  I had a credit card issued by this rip off group.  I had made my payments on time and then one month I called the day it was due.  I made the payment and was told it was late and would be charged not only an illegitimate late fee but also an overlimit fee.  This happened the next two months and although I tried to resolve this it was like trying to get a pig to lay an egg.  Common sense and intellegence don't go together with this group.  BEWARE, do not get ripped off by this company.  Then when it couldn't be worked out they aquired Midland Funding to go after me.  They listed multiple account numbers so they could falsify the number of collection accounts for Credit One.  Thier dishonesty is spread over many aspects.


This report was posted on Ripoff Report on 08/10/2013 10:44 PM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-One-Bank-/Las-Vegas-Nevada-89193/Credit-One-Bank-Fraudulent-Company-Las-Vegas-Nevada-1074791. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Responsibility

AUTHOR: Robert - ()

 First off I am not a fan of Credit One because I think that they do try to Capitalize(pun not intended) on Capital One and take advantage of people who fail to pay enough attention.

However, with that said...in this case YOU are the one at fault.

First of all by law a credit card must accept payments up until 5PM local time as being received that day.  Some banks extend that time longer.  However, if you pay it 1 minute after that time..even by phone you are late and are charged a very legitimate late fee.  If that happens to put you over your limit then you are again charged a very legitimate over the limit fee.

Now, you wouldn't have been charged an over the limit fee..if you weren't close to your limit.   Credit One did not rip the card out of your wallet and force you to purchase things on it..that was 100% YOUR choice.  If you talk to just about any creditor or people that deal in credit the "ideal" usage on your credit card is between 30-50% of your credit line.  Your bill is due every month at the same time, and you get your statement a good couple of weeks in advance.  They did not hold your hands down and not allow you to make a payment before the due date..again that was you.   

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#2 Consumer Comment

I too have dealt with them

AUTHOR: Mike - ()

 It is common practice with them.  I also have paid them on the due date and had them do the same thing.  Fortunately I have a son that's a lawyer and one letter and they're running like a dog.

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#3 Consumer Comment

Oh Yes...All THEIR Fault!

AUTHOR: Jim - ()

YOU made the payment LATE...they didn't get it in time.  Who did???  YOU did.  You were maxed out.  Who was??? YOU were.  The late payment YOU made caused a late fee because YOU were maxed out.  No Einstein, I don't work for them. 

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